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Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Presurance Holdings's annualizedNet Income for the quarter that ended in Mar. 2026 was $10.49 Mil. Presurance Holdings's average total tangible assets for the quarter that ended in Mar. 2026 was $237.95 Mil. Therefore, Presurance Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 4.41%.
The historical rank and industry rank for Presurance Holdings's Return-on-Tangible-Asset or its related term are showing as below:
PRHI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -9.73 Med: -3.73 Max: 8.15
Current: -6.18
During the past 13 years, Presurance Holdings's highest Return-on-Tangible-Asset was 8.15%. The lowest was -9.73%. And the median was -3.73%.
PRHI's Return-on-Tangible-Asset is ranked worse than 95.46% of 507
companies
in the Insurance industry
Industry Median: 2.75
vs PRHI: -6.18
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Presurance Holdings Return-on-Tangible-Asset Related Terms
Presurance Holdings Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Presurance Holdings's Return-on-Tangible-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PRHI vs FIGP, CB, PGR: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Presurance Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Presurance Holdings Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Presurance Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Presurance Holdings's Return-on-Tangible-Asset falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 4.41% mean?
Presurance Holdings (PRHI) has a Return-on-Tangible-Asset of 4.41% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Presurance Holdings and its competitors. According to the industry distribution chart, Presurance Holdings ranks #484 out of 507 companies in the Insurance industry, placing it in the top 95.5%.
Is Presurance Holdings' Return-on-Tangible-Asset too high?
Presurance Holdings' current Return-on-Tangible-Asset is 4.41%. The Insurance industry median Return-on-Tangible-Asset is 2.75. Presurance Holdings' value of 4.41% is 60.4% above this industry median. Based on the distribution chart, Presurance Holdings ranks #484 out of 507 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Presurance Holdings has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Presurance Holdings' Return-on-Tangible-Asset compare to FIGP and CB?
According to the Insurance industry distribution chart, Presurance Holdings ranks #484 out of 507 companies for Return-on-Tangible-Asset. This places Presurance Holdings in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.75. Presurance Holdings' value of 4.41% is 60.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.75, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Presurance Holdings's current Return-on-Tangible-Asset of 4.41% is 60.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Presurance Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Presurance Holdings's current Return-on-Tangible-Asset is 4.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Presurance Holdings stock overvalued right now?
Based on GuruFocus' analysis, Presurance Holdings (PRHI) is currently considered Significantly Overvalued. The stock's GF Value™ is $2.83, compared to a current price of $5.20 — trading 83.7% above its estimated fair value. The current Return-on-Tangible-Asset is 4.41% and 60.4% above the Insurance industry median of 2.75. Presurance Holdings' overall GF Score™ is 44/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Presurance Holdings (PRHI), the current Return-on-Tangible-Asset is 4.41% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Presurance Holdings (PRHI) Overvalued in 2026?
Based on GuruFocus' analysis, Presurance Holdings stock appears to be overvalued.
The current stock price of $5.20 is trading 83.7% above its estimated GF Value™ of $2.83.
GuruFocus considers Presurance Holdings to be Significantly Overvalued.
Key valuation signals for PRHI:
Return-on-Tangible-Asset: 4.41%
GF Value™: $2.83 vs. price of $5.20 (83.7% above fair value)
Industry Position: 60.4% above the Insurance median (#484 of 507)
No single metric tells the full story. See the PRHI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Presurance Holdings Inc is an insurance holding company that markets and services product offerings through specialty personal insurance lines of business. Through its personal insurance lines, it offers homeowners insurance and dwelling fire insurance products to individuals in several states. The specialty homeowners insurance product line is comprised of low-value dwelling insurance tailored for owners of lower valued homes, which it offers in Texas, Illinois and Indiana. Through commercial insurance lines, it offers coverage for both commercial property and commercial liability and also offered coverage for commercial automobiles and workers' compensation. Its revenues are derived from premiums earned from insurance operations.
44GF Score
Get the complete analysis for PRHI
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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